Personal Card Services

Put the power of Mercantile in your pocket.

Contact Mercantile Card Services

During Bank Hours: 800.453.8700

  • Debit/ATM Cards: During Non-Bank Hours: 844.646.5468
  • Credit Cards: During Non-Bank Hours: 866.839.3409

To Report Lost or Stolen Cards

Debit/ATM Cards:

  • During Bank Hours: 800.453.8700
  • During Non-Bank Hours: 844.646.5468

Credit Cards:

  • During Bank Hours: 800.453.8700
  • During Non-Bank Hours: 866.839.3485

Change or Reset Your PIN

  • Debit: Call 1.800.992.3808 or visit any Mercantile Bank ATM
  • Credit: Call 1.866.297.3408

Transaction Verification

  • Credit Cards: 866.839.3409
  • Debit/ATM Cards: 877.253.8807

Travel Notification

By informing us of your travel and/or purchase plans, we can work to ensure that you are able to use your debit card without the fear of having your transactions declined.

  • Call us during normal business hours at 800.453.8700.
  • Send us a secure message with your account and travel details.
  • Stop into any branch location during normal business hours.
  • Send us a secure message when logged into Internet Banking.

New Visa Rewards Credit Cards


Mercantile Visa Rewards Card


  • 1 point earned for every $1 spent
  • No Annual Fee
  • Earn travel and merchandise rewards, gift cards, charitable donations, erase previous purchases and more!
  • Disclosures

    Learn More

Mercantile Visa Rewards Card


  • 1.5 points earned for every $1 spent
  • $60 Annual Fee waived with $24,000 in annual spend
  • Earn travel and merchandise rewards, gift cards, charitable donations, erase previous purchases and more!


Learn More

Other Cards

Mercantile MyCard

Mercantile My Card Debit Card

Personalize your Mercantile debit card with your favorite image for only $9.95.

Visa Debit Card

Mercantile Visa Debit Card - Now Contactless!

Save time and money with the quick, no-hassle purchasing ability of the Visa Debit Card. It's a debit card that acts like a check only faster, easier and safer. And it's accepted just like a Visa Credit Card at millions of locations worldwide!

Features Create A My Card
Visa Secured Credit Card

Mercantile Visa Secured Credit Card

A secured credit card designed to help build credit and manage your money.

Features Disclosure
HSA Debit Card

Mercantile Health Savings Account (HSA) Debit Card

HSAs provide a way to set aside funds to pay for medical expenses, both today and in the future. The HSA Debit Card can be used for your healthcare expenses - the cost is automatically deducted from your Health Savings Account.

HSA Info
Gift Card

Gift Cards

Mercantile makes it easy to give the perfect gift: visit your closest Mercantile branch.

Features Visit to Apply
Reloadable Card

Reloadable Card

Reloadable cards are an affordable alternative to check cashing.

Reloadable Card Terms and Conditions

Features Visit to Apply
Travel Card

Travel Card

Travel cards are more convenient than traveler's checks and more secure than cash. This prepaid re-loadable card is recognized worldwide and accepted at merchants and at ATMs.

Travel Prepaid Card Pricing and Terms

Features Visit to Apply
classc card

Classic and Gold Visa Credit Cards

For Classic and Gold Credit Cardholders, please choose a link to the right to view a copy of the disclosures.

Related Services

  • Easily update your card payment information when it expires or is lost or stolen in your streaming and shopping sites, all at once!

    Learn More
  • MercDebit

    A mobile companion app integrated within MercMobile that lets you control debit card usage and spending on the go.

    The first time you click on MercDebit within MercMobile, you will be directed to the App Store to download the app. You will only need to do this one time.


    • Card usage controls: Establish spending limits to allow transactions up to a certain dollar amount and decline transactions when amounts exceed pre-defined thresholds. Transactions can also be monitored or controlled for specific merchant categories such as gas, hotel, travel, restaurants, groceries or electronic stores.
    • Card on/off setting: When the card is "on," transactions are allowed in accordance with the usage control settings you've established. When the card is "off," no purchases or withdrawals are approved until the card is turned back "on." This control can be used to disable a lost or stolen card.
    • Location-based controls: Restrict transactions to merchants located within a certain range of your location (using your phone's GPS); transactions requested outside of the specified area can be declined.
    • Fraud protection: Report or restrict PIN and signature transactions, enabling you to manage, track and report specific types of transactions and quickly detect unauthorized activity.
    • Interactive alerts: Real-time alerts can be sent when a card is used, when a transaction is approved and exceeds any of the permitted use policies, or when a card transaction has been attempted but is declined.
    • Financial features: Conduct limited card-related transactions wherever you are, any time of the day, including real-time balance inquiries and locating ATMs.
    • Travel Plan: Notify Mercantile of your travel plans within the app.

    NOTE: MercDebit is only available within MercMobile, it cannot be accessed on the desktop.

  • SecurLOCK Equip

    SecurLOCK™ Equip allows you to control how, when and where your Mercantile credit card is used. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your credit cards safe and provide instant notifications whenever your card is used.


    • Turn cards on/off to enable or disable usage
    • Set controls and alerts by channel (in-store, online, mobile, ATM, etc.)
    • Set transaction spend limits
    • Select geographic locations where the card can be used
    • Set specific merchant categories
    • View recent transaction history
    • Receive real-time alerts

    iOS App Android App

  • Mobile Wallets are quickly becoming a more accepted and convenient method of payment for consumers wanting to use their mobile devices (smartphones, tablets, wearable devices, etc.) for purchases. Mercantile has partnered with multiple industry-leading Mobile Wallet providers bringing flexibility in choosing an option that best fits you. Mercantile cardholders can use Apple Pay, Android Pay, Samsung Pay, Visa Checkout, and PayPal to make purchases at a growing list of retailers and online merchants. At Mercantile, you can rely on us to offer the best Mobile Wallet solutions to meet your personal needs. And with our MercMobile® and MercMoney® apps, you'll be able to do all your banking, track your purchases, and monitor your budget while on the go as well. It's that easy!*

    Why would I use a mobile wallet?

    Mobile wallets offer increased security. They're safer than carrying a credit card or cash in your wallet, because information stored in mobile wallets is encrypted, so the details of your credit card, for instance, aren't accessible to others. When mobile wallets transmit data to make payments, they never transmit your actual account numbers. Instead, they use encrypted payment codes. And your phone can't be opened without your fingerprint or a personal identification number, so getting to your data is much tougher than opening up your wallet.

    Mobile Wallet FAQs

    *The terms and account agreement that govern your Mercantile Bank Card do not change when you add your Mercantile Card to a mobile wallet (The Wallet). The Wallet simply provides another way for you to make purchases with the Mercantile Card. Any applicable interest, fees, and charges that apply to your Mercantile Card will also apply when you use the Wallet to access your Mercantile Card. Mercantile Bank does not charge you any additional fees for adding your Mercantile Card to the Wallet or using your Mercantile Card in the Wallet. The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees.

    Mercantile Bank is not the provider of the Wallet, and we are not responsible for providing the Wallet service to you. We are only responsible for supplying information securely to the Wallet provider to allow usage of the Mercantile Card in the Wallet. We are not responsible for any failure of the Wallet or the inability to use the Wallet for any transaction. We are not responsible for the performance or non-performance of the Wallet provider or any other third parties regarding any agreement you enter into with the Wallet provider or associated third‐party relationships that may impact your use of the Wallet.

    If you have any questions, disputes, or complaints about the Wallet, contact the Wallet provider using the information given to you by the provider. If your question, dispute, or complaint is about your Mercantile Card, then contact us at: 1-800-453-8700.